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It can be tough finding where to get emergency cash when you’re in a tough situation. An emergency is defined as a sudden serious situation that needs immediate action. And when you find yourself in such a situation, Emergency Loans are an easy way to get money ASAP.
Let Swoosh help you tackle any
emergency
What are emergency loans?
Emergency Loans are for anything that you did not see coming. If you are after a quick loan of up to $5,000, we can help. Our 100% online application process is fast, easy, and hassle-free so you can concentrate on dealing with the emergency. Apply for a loan with Swoosh online and we’ll get your emergency cash into your bank account fast.
Reasons for an emergency loan
You can get an emergency loan for anything you need, including:
- Unexpected car repairs
- A sick pet
- Burst plumbing at home
- Medical expenses
Whatever you need the emergency cash for, an easy and fast emergency cash loan from Swoosh can help. Just tell us how much you need and we’ll make sure the funds are with you on the same day. At least that’s one load off your mind.
If you need an emergency vet loan, you can apply now for urgent cash or check out our blog for 12 ways to get help with vet bills.
Am I eligible to get an emergency loan?
To be eligible for a Swoosh Same Day Emergency Loan, you only need to meet the following simple criteria:
Be over 18 years old
Citizen/Permanent Resident of Australia
Employed for at least 3 months
Own a vehicle registered in your name
Can I get an emergency loan with bad credit in Australia?
Yes, it is possible. We offer emergency loans for bad credit because we believe your credit history is exactly that – history. Responsible lending is our core principle and we consider every emergency loan application on its individual merit.
How do emergency loans work?
You can borrow money in an emergency by applying online and submitting all the required information. Once you have the cash you can use it for any type of emergency and pay it off in easy instalments over 12 months.
Fees and interest rates
There are no hidden fees and charges with our emergency cash loans. We also don’t add any extra fees if you pay back your loan sooner than scheduled. So you can pay it back as soon as you’re ready.
Our fees include:
- $0 application fee (even if your application is not approved)
- $400 establishment fee (included in the amount borrowed)
- $16 PPSR and security check (included in the amount borrowed)
Keep in mind that you may incur additional fees each time you miss a payment, and this may affect the length of your loan.
Interest is calculated daily based on the outstanding balance and is applied monthly to your account. Your interest rates are fixed for the loan term — so you know exactly what to expect.
If a scheduled payment is returned unpaid, we may issue a $35.00 debit dishonour fee. This fee is not subject to interest, though you’ll continue to pay the usual interest charges as described.
Find out more: Payday Loans Rates and Fees
How quickly can I get an emergency cash loan?
You can apply 24/7 with our online application form – it only takes minutes to fill out. Once received, we can get you the money you need on the same day you are approved (within business hours)*. Because when you need emergency cash immediately, you don’t want to wait around for a long, drawn-out approval process.
Read our guide on instant approval personal loans.
*Approval speed is conditional upon receipt of all requested relevant documents/information & usually comes within 1 hour during normal business hours/banking days. If you return your contract by 3:30pm AEST, your funds will be transferred overnight.
Easy, flexible loan repayments
To make life stress-free and easy, we align your repayments with your payday so you don’t miss a repayment. You can choose to have weekly, fortnightly, or monthly payments. We also only approve your loan application if we believe you can repay it.
Can I apply for an emergency loan with Swoosh if I have an existing loan with another company?
Yes, if you have other loans you can still apply for an emergency loan with Swoosh. As responsible lenders, Swoosh will only approve your application if we believe you can afford to repay your loan.
How to get an emergency loan
We aim to make our emergency fast cash loans as simple as possible. Because when you need cash urgently, the last thing you want to deal with is a long application.
Here is how you can apply to borrow emergency money in 3 easy steps:
Apply for an emergency loan today
1. Complete an online application on your mobile phone, computer or tablet. Applications only take minutes.
2. Approval of your loan is provided within 60 minutes of you providing require information (during business hours)*. The decision will arrive promptly – right in your inbox.
3. After approval, an offer is sent to you via email. Once you’ve signed the contract, we’ll send the money directly to your bank account.
No need to sign-up for an account. Apply Now.
*Speed of approval is conditional to receipt of all requested relevant documents/information.
FAQs
How much emergency money can I borrow with a loan?
You can borrow between $2,200 and $5,000 with an emergency cash loan from Swoosh to cover any unexpected expenses.
Can I get an emergency loan with a low income?
You may still be eligible as long as you are employed for at least 3 months with a consistent income. As responsible lenders, we need to verify that you can reasonably repay your loan.
What do I do if I need cash urgently?
You can apply for a Same Day Loan or check out our blog on how to earn money fast for ways to get urgent cash when you need it.
Testimonials
Garry Capewell
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Nai “Friszy01” Frisjina
Michael Higgins
Jo Naisbitt
Brendan Hedges
Kaitlyn Rea
Dino Mcpherson
Graham Cowley
The Swoosh difference
Our Cash Loans are available when you’re in a pinch — and we work hard to make it happen fast.
We put you first, ensuring you have all of the information upfront.
Swoosh Cash Loans give you the funds you need now from a lender you can trust.
Want to chat to someone?
Use our live chat or fill out the contact form to get in touch with a Swoosh Finance specialist
